Verdict
- Krak Card scores higher overall (7.4 vs 6.0 out of 10).
- KAST is clearly stronger on: Cashback & rewards, Credit & financing.
- Krak Card is clearly stronger on: FX & international, Custody & security, Limits & ATM, Transparency.
- For 1,500 EUR/month of spend, KAST comes out about 151 EUR a year ahead on base-tier terms.
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Cashback & rewards, Credit & financing
Krak Card is a good fit for
- Frequent travellers
Stronger on: FX & international, Custody & security, Limits & ATM, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | KAST | Krak Card |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | 35 | 21 |
| Availability | – | 93 |
| FX & international | 30 | 100 |
| Product features | 70 | 70 |
| Custody & security | 60 | 75 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 33 | 100 |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | 5.7 |
| Best for Travel | 5.0 | 8.8 |
| Best for DeFi Users | 6.3 | 6.3 |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 5.2 | 6.0 |
| Best for Low Fees | 7.0 | 10.0 |
| Best for Beginners | 7.2 | 8.1 |
| Best Crypto Credit Card | 7.0 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Stablecoin cardShow source
Debit cardShow source
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
UK and EEA; the US card is a Visa
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
CustodialConditions apply: tap or hover for detailsShow source
Card spends the Krak account balance (e-money and crypto held by Kraken)
Card issuer / program manager
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Tiers / plans
Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source
Account-level memberships replacing card tiers (announced May 5, 2026)
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source
Cashback tier by 30-day average assets held
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Standard membership; Premium $1,000/yr, Private $10,000/yr
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$40Conditions apply: tap or hover for detailsShow source
Delivery fee; the Standard physical card itself is free
FreeConditions apply: tap or hover for detailsShow source
Plastic card; replacement €4.99
Virtual card fee
$2Conditions apply: tap or hover for detailsShow source
Certain markets only, Standard tier
FreeShow source
Replacement fee
€4.99Conditions apply: tap or hover for detailsShow source
Plastic card; metal card replacement €60
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Up to; 0.5%–1.75% on non-USD card spend depending on membership
0%Conditions apply: tap or hover for detailsShow source
EEA/UK: Mastercard rate without markup; a variable spread applies when spending crypto. US card: 1%
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Bank transfer free; debit card and Apple/Google Pay deposits €0.25 + 3.75% (UK £0.25 + 3.75%); PayPal fees vary by region. US: linked bank (ACH) free, USD/CAD SWIFT wire $3, card deposits $0.25 + 3.75%, PayPal 3.39%
ATM fee
$3 + 2%Conditions apply: tap or hover for detailsShow source
Plus FX fee on non-USD ATMs; operators may add charges
FreeConditions apply: tap or hover for detailsShow source
No Krak fee; third-party ATM fees may apply
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Incoming and outgoing SEPA free (UK domestic transfers free); outgoing SWIFT: regional funding fees may apply; transfers between Krak accounts free. US: ACH in/out free
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
Non-USD transactions under $25
Other fees & markups
Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source
Variable spread when spending crypto · AutoEarn fee: 30% of yield earned · Vault fee: 25% of yield earned · Small balance conversions: fixed 3% feeConditions apply: tap or hover for detailsShow source
Vault and AutoEarn fees are taken from yield; displayed APYs exclude them
Cashback & rewards
Base cashback
1.5%Conditions apply: tap or hover for detailsShow source
Standard membership, first $2,000 of spend per month
0%Conditions apply: tap or hover for detailsShow source
Starter tier: under €200 average assets; 0.5% from €200
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
2%Conditions apply: tap or hover for detailsShow source
Max tier: 30-day average assets of at least €/£50,000; up to 4% boosted on travel via Krak Concierge
Cashback paid in
USDShow source
EUR, GBP or BTCShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Or bitcoin
Interest on balance
3.6%Conditions apply: tap or hover for detailsShow source
Up to; on eligible balances, variable
Cashback-eligible spend cap
$2,000/monthConditions apply: tap or hover for detailsShow source
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Rate set by the 30-day average assets held across Krak, Kraken and Kraken Pro: 0.5% from €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000 · Metal card free from €/£50,000 average assetsShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding assets (not staking) sets the cashback tier
Staking asset
Any assets held at Krak, Kraken and Kraken ProShow source
Capital required for top rewards
€50,000Conditions apply: tap or hover for detailsShow source
30-day average for the 2% tier
Reward expiry / vesting
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
Reward exclusions
Some merchant categories excludedShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Card described as a credit card secured by deposited virtual assets
NoShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends directly from the Krak Everyday account balance
Availability
Available in
European Union, United KingdomConditions apply: tap or hover for detailsShow source
Residents of the UK and the EU; a separate US card exists
Account / spend currencies
600+ currenciesConditions apply: tap or hover for detailsShow source
Spend in more than 600 currencies
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Region-dependent
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
Region-dependent
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDT · USDCConditions apply: tap or hover for detailsShow source
Acceptable Tokens for deposit
Blockchains
Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Security & custody
Regulation / licences
EEA: e-money by Payward Ireland Limited, regulated by the Central Bank of Ireland · EEA: card issuer UAB Monavate, licensed by the Bank of Lithuania (LB002139) · UK: card issuer Monavate Limited, FCA-authorised (FRN 901097) · UK: e-money and payment services by Payward Services Limited, FCA-authorised (FRN 1010381) · UK: Payward Ltd registered with the FCA as a cryptoasset business (FRN 928768)Conditions apply: tap or hover for detailsShow source
US: Payward Interactive, Inc. is a licensed money transmitter (NMLS #1843762) registered with FinCEN as an MSB
Deposit protection
NoShow source
NoConditions apply: tap or hover for detailsShow source
EEA e-money wallet is not covered by a deposit guarantee scheme; UK: no FSCS protection; US: balances not FDIC or SIPC insured
Annual cost at 1,500 EUR/month
KAST
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−56 EUR
- Cashback+270 EUR
- Net annual value151 EUR
Krak Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers